Accounting · head to head
Fyle vs Wise Business
Fyle
Accounting
Real-time expense management that works with your cards
- From
- $11.99/month per active user
- Rated
- -
Wise Business
Accounting
The smart way to send and receive business payments
- From
- $29/month
- Rated
- -
The short version
- Each has a real cost: Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
- They diverge on capability: Fyle covers Real-time card tracking, Wise Business covers Multi-currency accounts.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Fyle and Wise Business actually diverge.
| Attribute | Fyle | Wise Business |
|---|---|---|
| Starting price | $11.99/month per active user | $29/month |
| Pricing model | subscription | usage-based |
| Platforms | Web, Ios, Android | Web, Ios, Android, Api |
| Founded | 2016 | 2011 |
Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Fyle
- Real-time card tracking
- Automatic receipt matching
- Expense policies
- Approval workflows
- Mileage tracking
- Sage Intacct
- NetSuite
- Slack
Only in Wise Business
- Multi-currency accounts
- International transfers
- Batch payments
- API access
- Team management
- Various
- FCA regulated
- Bank-level security
Both cover
- QuickBooks
- Xero
- Web support
- Ios support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Fyle
- Expense reporting and corporate card reconciliationnot Wise Business
- Enforcing spend policy and approvals before reimbursementnot Wise Business
Wise Business
- Holding and converting multiple currencies as a businessnot Fyle
- Paying international suppliers and contractors at the mid market ratenot Fyle
- Receiving payments into local currency account details in several countriesnot Fyle
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Fyle
- Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
- The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
- API access and the Sage Intacct and NetSuite integrations require a paid tier
- ACH reimbursements and project expense tracking sit above the entry plan
- Both published plans are billed annually
- Enterprise pricing is custom and aimed at organisations with 250 or more employees
Wise Business
- Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
- Volume discounts on transfers start only above 20,000 GBP equivalent sent per month
Pricing, plan by plan
Fyle
$11.99/month per active user- Growth$11.99/month per active user
- Minimum 5 users
- Unlimited expense tracking, receipt scanning
- Card integrations, mileage/per diem tracking
- Business$14.99/month per active user
- Minimum 10 users
- Multi-stage approvals, ACH reimbursements (US only)
- Project tracking, Sage Intacct/300 CRE integrations
- Enterprise$null/mo
- 250+ employees
- IP whitelisting, SSO options
- Branded accounts, dedicated account manager
Wise Business
$29/month- StandardFree
- Multi-currency account
- Real exchange rate
- Batch payments
Which should you pick?
Choose Fyle if
- You need real-time card tracking.
- You work on Web, Ios, Android.
- You also want automatic receipt matching.
Choose Wise Business if
- You need multi-currency accounts.
- You work on Web, Ios, Android, Api.
- You also want international transfers.
Questions people ask
- Is Fyle or Wise Business better?
- Neither clearly leads. Fyle starts at $11.99/month per active user and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Fyle or Wise Business?
- Fyle starts at $11.99/month per active user and Wise Business at $29/month.
- Does Fyle or Wise Business run on more platforms?
- Fyle runs on Web, Ios, Android. Wise Business runs on Web, Ios, Android, Api.
- What is Fyle best used for?
- Fyle is most often used for expense reporting and corporate card reconciliation, enforcing spend policy and approvals before reimbursement. Of those, expense reporting and corporate card reconciliation and enforcing spend policy and approvals before reimbursement are not what Wise Business is typically brought in for.
- What can Fyle do that Wise Business cannot?
- Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle QuickBooks, Xero, Web support, Ios support.
Answered from the vendors’ own pages
Fyle: How does Fyle define and charge for active users?
An 'active user' is defined as an employee who creates at least one expense or has a credit card connected with active transactions monthly. You only pay for active users, not all onboarded employees.
SourceWise Business: How fast are international transfers with Wise Business?
Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.
SourceFyle: What is Fyle's Growth plan pricing?
The Growth plan costs $11.99 per active user per month (billed annually) with a minimum of 5 users. Includes unlimited expense tracking, receipt scanning, and single-stage approvals.
SourceWise Business: Does Wise Business offer volume discounts?
Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.
SourceFyle: What features does Fyle's Business plan add?
The Business plan costs $14.99 per active user per month (minimum 10 users, annual billing) and adds multi-stage approvals, project tracking, ACH reimbursements (US only), and premium support.
SourceWise Business: How does Wise Business keep funds secure?
Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.
SourceRelated pages
More on Wise Business
Other head to heads
- Fyle vs Ramp
- Fyle vs Airbase
- Fyle vs Happay
- Fyle vs Expensify
- Fyle vs Rydoo
- Fyle vs Zoho Expense
- Fyle vs QuickBooks
- Fyle vs Melio
- Fyle vs Spendesk
- Fyle vs Divvy
- Fyle vs Brex
- Fyle vs Pleo
- Fyle vs Money Forward Cloud
- Fyle vs Moneybird
- Fyle vs MYOB
- Fyle vs Netvisor
- Fyle vs Ottimate
- Fyle vs Pennylane
- Fyle vs Veem
- Fyle vs Payoneer
- Fyle vs Plaid
- Fyle vs Medius
- Fyle vs Adyen
- Fyle vs Carta
- Fyle vs Causal
- Fyle vs Conta
- Fyle vs Creem
- Fyle vs DATEV
- Fyle vs Conta Azul
- Wise Business vs Ramp
- Wise Business vs Airbase
- Wise Business vs Happay
- Wise Business vs Expensify
- Wise Business vs Rydoo
- Wise Business vs Zoho Expense
- Wise Business vs QuickBooks
- Wise Business vs Melio
- Wise Business vs Spendesk
- Wise Business vs Divvy
- Wise Business vs Brex
- Wise Business vs Pleo
- Wise Business vs Money Forward Cloud
- Wise Business vs Moneybird
- Wise Business vs MYOB
- Wise Business vs Netvisor
- Wise Business vs Ottimate
- Wise Business vs Pennylane
- Wise Business vs Veem
- Wise Business vs Payoneer
- Wise Business vs Plaid
- Wise Business vs Medius
- Wise Business vs Adyen
- Wise Business vs Carta
- Wise Business vs Causal
- Wise Business vs Conta
- Wise Business vs Creem
- Wise Business vs DATEV
- Wise Business vs Conta Azul